Privacy Policy

Information We Collect

valorenquitho collects various types of information to provide you with our capital budgeting educational services and platform functionality. We gather this information through different channels during your interactions with our website and services.

We also collect information when you participate in webinars, download resources, subscribe to our newsletter, or engage with our customer support team. All data collection follows the principles of data minimisation - we only collect what's necessary for our services.

How We Use Your Information

Your information serves several important purposes that directly benefit your learning experience and our ability to provide quality educational services. We process your data based on legitimate interests, contract fulfillment, and legal compliance.

We use personal information to create and manage your account, process course enrollments, track learning progress, and provide personalized educational content recommendations. This helps us tailor the learning experience to your specific needs and professional development goals.

Communication purposes include sending course updates, educational newsletters, important platform announcements, and responding to your inquiries. We may also use your information for internal analytics to improve our course content, website functionality, and overall service quality.

Technical data helps us maintain platform security, troubleshoot issues, and ensure optimal performance across different devices and browsers. We also use aggregated, anonymized data to understand user behavior patterns and improve our educational offerings.

Data Sharing and Third Parties

valorenquitho works with carefully selected third-party service providers to deliver our educational services effectively. We maintain strict data sharing agreements with all partners to ensure your information remains protected.

Our primary third-party relationships include cloud hosting providers for secure data storage, email service providers for communications, payment processors for course transactions, and analytics platforms for website optimization. These partners operate under strict confidentiality agreements.

We may share anonymized, aggregated data with educational partners or industry organizations for research purposes, but this never includes personally identifiable information. In cases where legal compliance requires disclosure, we will notify affected users unless prohibited by law.

If valorenquitho undergoes a business restructuring, merger, or acquisition, your data may be transferred to the new entity, but only under equivalent privacy protections. We would provide advance notice of any such changes affecting your personal information.

Your Rights and Control

Under UK data protection regulations, you have comprehensive rights regarding your personal information. We're committed to making these rights easily accessible and actionable.

To exercise these rights, contact us using the information provided below. We typically respond to requests within 30 days and may require identity verification for security purposes. There's no charge for most requests, though we may apply reasonable fees for excessive or repetitive requests.

Data Security and Protection

Protecting your personal information is fundamental to everything we do. We implement multiple layers of security measures designed to safeguard your data against unauthorized access, alteration, disclosure, or destruction.

Our technical safeguards include encrypted data transmission using SSL certificates, secure cloud storage with regular backups, multi-factor authentication for administrative access, and continuous monitoring for security threats. All sensitive data is encrypted both in transit and at rest.

We maintain strict access controls, ensuring only authorized personnel can access personal information on a need-to-know basis. Our team receives regular security training, and we conduct periodic security audits to identify and address potential vulnerabilities.

While we implement industry-standard security measures, no system can guarantee absolute security. We encourage users to protect their own accounts by using strong passwords, keeping login credentials confidential, and reporting any suspicious activity immediately.

Data Retention and International Transfers

We retain personal information only as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, and resolve disputes. Different types of information have varying retention periods based on their purpose and legal requirements.

Account information and learning progress data are maintained while your account remains active and for up to three years after account closure to accommodate potential reactivation requests. Communication records are typically retained for two years, while technical logs are kept for one year for security and troubleshooting purposes.

Some of our service providers operate servers outside the UK, which means your data may be transferred internationally. We ensure all such transfers comply with UK data protection standards through appropriate safeguards, including adequacy decisions and standard contractual clauses.

When data retention periods expire, we securely delete or anonymize personal information using industry-standard methods. You can request earlier deletion of your data by exercising your right to erasure, subject to any legal retention requirements.

Cookies and Tracking Technologies

valorenquitho uses cookies and similar technologies to enhance your browsing experience, remember your preferences, and analyze website usage patterns. These small data files help us provide personalized content and improve our services.

Essential cookies are necessary for basic website functionality, including account authentication, security features, and maintaining your session while navigating between pages. These cookies cannot be disabled without affecting core website operations.

Analytics cookies help us understand how visitors interact with our website, which pages are most popular, and where improvements might be needed. We use this information to optimize content organization and user experience design.

You can control cookie settings through your browser preferences, though disabling certain cookies may limit website functionality. We respect Do Not Track signals and provide clear options for managing your privacy preferences within your account settings.

Children's Privacy

valorenquitho's educational services are designed for adult learners and business professionals. We do not knowingly collect personal information from individuals under 16 years of age without appropriate parental or guardian consent.

If we become aware that we have inadvertently collected personal information from someone under 16, we will take immediate steps to delete such information from our systems. Parents or guardians who believe their child has provided personal information should contact us immediately.

Our learning content focuses on advanced capital budgeting concepts, financial analysis, and professional development topics that are typically relevant to working adults and university-level students. We encourage parental supervision for any users under 18.

Policy Updates and Changes

This privacy policy may be updated periodically to reflect changes in our services, legal requirements, or data protection practices. We will notify users of significant changes through email announcements and prominent website notices.

Minor updates that don't materially affect your rights or data processing practices may be implemented without individual notification, though we will update the "Last Modified" date at the top of this policy and maintain a change log for transparency.

For substantial policy changes that affect how we collect, use, or share personal information, we will provide at least 30 days' advance notice and may require explicit consent for continued service use under the new terms.

We encourage users to review this policy periodically to stay informed about how we protect and manage personal information. Continued use of our services after policy updates constitutes acceptance of the revised terms.